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What is clickngoloans.com?

clickngoloans.com is a network of lenders and advertisers who can provide financial assistance to a consumer. clickngoloans.com sends notifications via text messages to existing consumers who opted in and in accordance with the prior express written consent they provided in the request submission process. Message and data rates may apply. You may reply to any message with ‘HELP’ to get assistance, or ‘stop’ to unsubscribe from the service. You must be 18 years of age or older to participate.

If you need help or additional information, email us at [email protected] any time.

TERMS OF SERVICE
Updated May 20, 2016

clickngoloans.com (“our” or “we” or “us” or “clickngoloans.com”), owns the rights and controls the website found at https://clickngoloans.com , (the “Site”). clickngoloans.com offers and upholds this website to provide information, accustomed on your approval, without alteration, of the conditions, notices and terms enclosed in this Terms of Use. By using and accessing the website, you take and agree, with no restriction, to the following:

Contact

If you have any additional questions regarding this Agreement, please feel free to contact us any time at [email protected].

Terminating the Service

You may terminate any of the Services or subscriptions at any time by replying to any message with ‘stop’ . You agree that clickngoloans.com, at its sole discretion, may at any time terminate your use of any or all of the Services and/or change its content offering made available through the Services, if clickngoloans.com believes that you have violated or acted inconsistently with this Agreement. You agree that clickngoloans.com shall not be liable to you or any third-party for any termination of your access to the Services.

Description of the Services

clickngoloans.com provides text message-based services such as alerts about loan options. If you want to make commercial use of the Services, you must enter into an agreement with clickngoloans.com to do so in advance. Please contact us for more information.

clickngoloans.com occasionally provides links or access to websites or services owned by third parties (collectively “third-party Links”). clickngoloans.com does not own or operate such third-party Links and is not responsible for the content or performance of any third-party Links.

Frequency of Messaging

clickngoloans.com alerts are delivered via text messaging to your mobile phone, one message a week.

Access to the Services

In order to use the Services, you must have a mobile communications subscription with a participating carrier or otherwise have access to a mobile communications network through which clickngoloans.com makes the Services available as well as any carrier services necessary to send text messages, and pay any service fees associated with any such access. YOUR CARRIER’S TEXT MESSAGING RATES WILL APPLY TO ALL TEXT MESSAGE COMMUNICATIONS MADE IN CONNECTION WITH THE SERVICES. ACCORDINGLY, ALL PRICING, BILLING, REFUND AND OTHER RELATED INQUIRIES AND SUPPORT MUST BE DIRECTED TO YOUR CARRIER’S CUSTOMER SUPPORT TEAM.

Supported Carriers include: AT&T, Verizon Wireless, Sprint, T-Mobile, Alltel, CellularOne, Virgin Mobile, U.S. Cellular, Metro PCS. The wireless carriers are not liable for delayed or undelivered messages.

In addition, you must provide all equipment and software necessary to connect to the Services, including, but not limited to, a mobile handset or other mobile access device that is in working order and suitable for use in connection with the Service.

If any upgrade in or to the Services requires changes in your equipment or software, you must put these changes in effect at your own expense. Unless explicitly stated otherwise, any new or additional features that augment or enhance the current Services shall be subject to the terms and conditions of this Agreement.

clickngoloans.com reserves the right at any time and from time to time to modify, suspend, limit the use of, discontinue or permanently cancel all or any portion of the Services. clickngoloans.com uses reasonable efforts to ensure that the Services are always available. However, there will be occasions when the Services will be interrupted for maintenance, upgrades and emergency repairs or due to failure of telecommunications links and equipment that are beyond our control. By using the Services, you agree that clickngoloans.com will not be liable to you for any modification, suspension or discontinuance of the Services.

Conduct

You agree not to assume the identity of any individual other than yourself or to use a mobile telephone number belonging to a third-party without their permission. You agree not to use the Services in any way which: (i) restricts or inhibits any other users from using and enjoying the Services; (ii) transmits a virus or other harmful component, files or programs designed to interrupt, destroy or limit the functionality of any software, hardware, telecommunications equipment or system; (iii) is intended to violate system integrity, including the use of any device, software or routine to interfere with the proper working of the Services; (iv) monitors or copies content from the Services by using any robot, spider, crawler or other automatic device or manual process, without our prior written permission; (v) imposes an unreasonable or disproportionately large load on our infrastructure; (vi) involves fraudulent or illegal activities; (vii) transmits content that is infringing, libelous, defamatory, obscene, pornographic, abusive, offensive or otherwise violates any law or right of any third-party, including through the selection of a user or screen name or (viii) is intended to harass or annoy others.

Privacy

Our collection of information from you, such as your mobile phone number, is subject to our Privacy Policy, which is incorporated herein. You understand that through your use of the Service you consent to the collection and use (as set forth in the Privacy Policy) of this information.

Submissions

Any comments, feedback, notes, messages, ideas, suggestions or other communications (collectively, “Comments”) sent by you to clickngoloans.com shall be and remain the exclusive property of clickngoloans.com. Your submission of any such Comments shall constitute an assignment to clickngoloans.com of all worldwide right, title and interest in all copyrights and other intellectual property rights in the Comments. clickngoloans.com will be entitled to use, reproduce, disclose, publish and distribute any Comments you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any Comments that you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code or original artwork. You agree not to submit any Comments that may be submitted in violation of law or any agreement or obligation to keep the content of such Comments confidential. clickngoloans.com expressly disclaims any interest in any Comments that you are not authorized to submit. Of course, any information you submit which personally identifies you will be subject to our Privacy Policy.

Trademarks, Names and Logos

All trademarks, names and logos used on clickngoloans.com’s website or delivered via the Services are owned by clickngoloans.com or clickngoloans.com’s third-party licensors (unless otherwise stated). Your use of the Services and our website does not allow you to infringe those rights or the rights of the third parties which may exist in material contained in this site. No license is expressly impliedly granted within or as a result of your use of the Services or our website. Without clickngoloans.com’s prior permission, you agree not to display or use in any manner, the clickngoloans.com trademarks, names and/or logo.

Age Requirements and Service Limitations

Users of the Services must be at least 18 years of age. By using the Services, you are representing that you are at least 18 years old. We reserve the right to terminate any account.

You are solely responsible for all security information relating to your use of the Services, and are fully responsible for all activities that occur under your mobile phone number.

Disclaimer of Warranty

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. clickngoloans.com AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. clickngoloans.com AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS MAKE NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE; AND (iv) ANY ERRORS IN THE SERVICES WILL BE CORRECTED.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT clickngoloans.com AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF clickngoloans.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iii) STATEMENTS OR CONDUCT OF ANY third-party ON THE SERVICES; OR (iv) ANY OTHER MATTER RELATING TO THE SERVICES.

Indemnification

You agree to defend, indemnify, and hold harmless clickngoloans.com and its affiliates, and their employees, officers, directors, contractors, agents, licensors and suppliers, from all liabilities, losses, damages, claims, costs and expenses, including reasonable attorney’s fees, that arise from (i) use or misuse of the Services by you or any person to whom you have granted access to the Services, (ii) your violation of any of these Terms of Services, or (iii) any other activity related to your account (including negligent or wrongful conduct). clickngoloans.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to defense by you, in which event you will cooperate with clickngoloans.com and its counsel in the conduct of such defense.

Miscellaneous

No agency, partnership, joint venture, or employment relationship is created as a result of the Terms of Service and you do not have any authority of any kind to bind clickngoloans.com in any respect whatsoever. clickngoloans.com may transfer, assign or delegate these Terms of Service and the rights and obligations hereunder without your consent.

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflicts of law rules. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to these Terms of Service or your use of the Services shall be filed only in the federal courts located in the State of Nevada and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

This Agreement constitutes the entire agreement between you and clickngoloans.com with respect to your use of the Services.

PRIVACY POLICY
Updated May 14, 2016

clickngoloans.com (“our” or “we” or “us” or “clickngoloans.com”), owns the rights and controls the website found at https://clickngoloans.com , (the “Site”). We are committed to protecting your privacy. This Privacy Policy (the “Policy”) governs how we treat the Personal Information that we collect and receive from you in connection with your use of the Service and is incorporated into the Terms of Service.

By using the Service, you agree to the terms of this Policy. We reserve the right, at our sole discretion, to modify or change this Privacy Policy at any time with or without prior notice to you. The date of the last update will be posted at the top of this Policy for your convenience. Your continued use of the Service following the posting of any changes to the Policy constitutes your full acceptance of those changes.

“Personal Information” is information that individually identifies you, such as your mobile phone number or name, as well as the messages you send to the Service.

What we collect from you

We receive your mobile phone number when you send a text message to us. We also receive any user or screen name that you select in connection with the Service, as well as any comments or feedback regarding the Service that you send to us. We use this information to (a) provide you with the Service, (b) process and respond to inquiries, (c) improve the Service, (d) if necessary, contact you with important announcements or messages, (e) conduct research, and (f) provide anonymous reporting for internal and external clients and partners.

Each message that you send to the Service is stored on our servers. We retain these messages on our servers. clickngoloans.com utilizes servers owned by third parties.

Disclosure of Your Information

We will not rent or sell your Personal Information to other companies or individuals, unless we have your consent. We may use or disclose such information in any of the following limited circumstances:

We may share aggregated information with others without further notice. An example of this would be the number of people who used the Service in a given month.

Security

clickngoloans.com takes precautions to ensure the security of your Personal Information. However, we cannot guarantee that hackers or unauthorized personnel may gain access to your Personal Information despite our efforts. You should note that in using the Service, your information will travel through third-party infrastructures which are not under our control (such as a third-party SMS delivery platform or your carrier network).

Opting Out

clickngoloans.com provides you with the ability to opt out of the Service for any reason. You can opt out by replying to any message with ‘stop’ or ‘quit’.

Children

The Service is not intended for anyone under 18 years of age, and clickngoloans.com does not knowingly collect information from anyone under the age of 18. By using the Service, you are representing that you are at least 18 years of age.

Because ClickNGoloans.com IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and ClickNGoloans.com has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. ClickNGoloans.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We can not guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

ClickNGoloans.com strives to keep you updated with all state laws governing short-term loans. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding availability, maximum loan amounts, and loan terms, as well as the information for your state regulator. Rates and fees will vary depending upon lender.

If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

Testimonial Disclaimer: These are not actual testimonials, but they are representative of ClickNGoloans.com services.

Advertising Disclosures

ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.

The offers that you might receive are from companies from which ClickNGoloans.com receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.